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      "body": "Congratulations @verifyas! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@verifyas/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@verifyas) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=verifyas)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "body": "Congratulations @verifyas! You have received a personal award!\n\n[![](https://steemitimages.com/70x70/http://steemitboard.com/@verifyas/birthday1.png)](http://steemitboard.com/@verifyas)  1 Year on Steemit\n<sub>_Click on the badge to view your Board of Honor._</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/the-meet-the-steemians-contest-is-over-results-are-coming-soon\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeLukvNFRsa7RURqsFpiLGEZZD49MiU52JtWmjS5S2wtW/image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/the-meet-the-steemians-contest-is-over-results-are-coming-soon\">The Meet the Steemians Contest is over - Results are coming soon ...</a></td></tr></table>\n\n> Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "body": "Hey buddy, \nGet more upvotes on your post follow the strategy ✌\nhttp://bit.ly/Get-More-Upvotes\n![22AE685C-226F-4324-BDBB-BCD175296C39.gif](https://cdn.steemitimages.com/DQmRwsgA2fANyiaUQMLGvAuy7LsJ7oyhRC55Xkyb9pj3axV/22AE685C-226F-4324-BDBB-BCD175296C39.gif)",
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      "body": "Time for another quarterly update, ladies and gents. We’ve got quite a line up of announcements, so let’s dive right in. This update is broken down into 2 main sections: Verify Payments, and the Verify Protocol.\n\n*Wait, what?* Verify Protocol? You thought we weren’t working on that for at least another few quarters, *didn’t you*? Well folks, we’ve spent the past quarter working on both solutions, with development on the protocol starting in earnest since late June. So without further ado, let’s jump into the announcements.\n\n#### **Announcement #1 — It’s now LIVE!**🚀\n\nOur flagship bank-to-bank payment solution has now commenced roll out across the Middle East region, this is the first-of-it’s-kind transfer solution and **it’s finally here**! We setup [a demo website](https://demo.verifypayments.com/) so you can check it out yourself.\n\n[https://demo.verifypayments.com/](https://demo.verifypayments.com/)\n\nThis demo allows Emirates NBD account holders to donate to the Emirates Foundation, directly from their bank account. Emirates NBD is one of the largest retail banks in the UAE, and we’ve currently integrated with 10 banks across the Middle East with a 100% integration success rate.\n\nYes, that’s right: we’ve been successful in integrating *every* bank we’ve set our eyes on, and that’s a huge testament to our integration strategy and technical chops of our very talented technical team.\n\n> We’ve been successful in integrating *every* bank we’ve set our eyes on\n\nThe dream is starting to come together ladies and gents, and we’re excited you’ll now be able to experience this demo yourself.\n\n![](https://cdn-images-1.medium.com/max/900/1*s4xTjKOqz19kxMirPve_2A.png)\n>3 clicks, and the transfer is done. Bank transfers have *never* been this easy!</span>\n\nIf you don’t happen to have an Emirates NBD account, you can still use the “Verify” option from the bank screen to preview the checkout experience without any live credentials.\n\nHere’s how you can test out the various flows:\n\n#### **Announcement #2: Regional Payment Service Provider partnerships to roll out country by country**\n\nThese aren’t your regular, run-off-the-mill crypto partnerships. We’re talking real deals with regulated entities that are now able to use our solution to accept real-time payments with minimal fees. We’re making an announcement with a large PSP in Bahrain soon, with several other regional announcements already in the works. These PSP deals make so much sense for both sides; we achieve regional expansion and transaction volume from day one, while they get all the benefits of the Verify Payments solution. Oh, and let’s not forget: more transaction volume means more CRED buybacks.\n\n#### **Announcement #3: Verify Protocol development already underway**\n\nWe’re planning a release of the Verify Protocol within Q3 of this year, and we can’t wait to show you what it looks like! Development of the various parts of the solution including the Javascript integration library, the smart contracts and the dashboard is well underway. We’ll begin with a roll-out to the Ropsten testnet before transitioning to the Ethereum mainnet following the conclusion of the trial period.\n\n*****\n\nWe’d love to get your questions / feedback: [[email protected]](mailto:[email protected])",
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      "permlink": "types-of-bank-transfers-and-how-they-work-cross-border",
      "title": "Types of bank transfers and how they work cross border",
      "body": "![](https://cdn-images-1.medium.com/max/900/1*gXrwfXAUzmGpjAXWT6Q6mA.jpeg)\n\nIn order to understand how [Verify Payments](https://verifypayments.com/) technology works; it is important to understand the underlying mechanisms it utilizes. We have explained in our previous posts why [credit cards are hated](https://medium.com/@verify.as/why-are-cards-payments-hated-93a43f11dc62) and [what makes other payment methods unsuitable](https://medium.com/verifyas/pros-and-cons-of-existing-techniques-of-moving-money-around-28c130b6bcbd). In this post, we dive into bank transfers and their various types.\n\nBanks manage your balances through managing your records either by debiting or crediting. When you engage a bank transfer there are mainly two type of transfers that could happen. The transfer could either be an “intra-bank transfer” or an “inter-bank transfer”.\n\n**Intra-bank transfers (Same-bank)**\n\nIntra-bank transfers are within the same bank and are quite simple. Assume we have Bob and Alice, who both have accounts at the Emirates NBD (ENBD) bank. When Bob sends money to Alice; the bank (ENBD) simply debits (reduces) Bob’s account balance and credits (adds to) Alice’s account balance. A simple record operation. In this case the only thing that changed are the internal balances for each of the account holders.\n\n**Inter-bank transfers (Across banks)**\n\nInter-bank transfers are between different banks. These types of transfers are not as simple as the intra-bank transfers. This type of transfers can either be direct or indirect. A direct inter-bank transfer means that both banks interacting maintain an account for the other bank, i.e Bank A has an account in Bank B and vice versa. The indirect inter-bank transfer is when both banks interact using another party/parties (be it banks or other financial entities).\n\nThe key insight is that for a transfer to take place, the source and destination banks must have accounts at a single entity (i.e. a single set of “books”).\n\nLet us explore how each of the two types work starting with direct inter-bank transfers.\n\n**Direct inter-bank transfer**\n\nAs previously mentioned this type of bank transfers is when each of the banks hold an account in the other bank. Let us go back to Bob and Alice. Assume Bob owns an account in Emirates NBD and Alice owns an account in Mashreq Bank and both banks are in the UAE. Also assume that Emirates NBD has an account with Mashreq Bank and Mashreq Bank has an account at Emirates NBD.\n\nIn this case when Bob (Emirates NBD) transfers money to Alice (Mashreq), Bobs Bank ENBD debits (subtracts) Bob’s account and credits the Mashreq bank’s account it has. ENBD then let’s Mashreq bank know, and Mashreq bank will credit Alice’s account on the other side.\n\n**Indirect inter-bank transfers**\n\nNow not all banks own accounts in other banks. That is why when we transfer money and in various occasions we are asked for what is called the **intermediary entity/bank **or even a** correspondent bank**. Intermediary banks are for cases where a bank does not have an account on the receiving bank. Again going back to our example where Bob wants to send to Alice. In this case Emirates NBD does not have an account in Mashreq Bank and vice versa. When a transfer happens Emirates NBD would debit Bob’s account and would inform the intermediary bank where both banks have accounts in say it is Standard Chartered; Emirates NBD will request Standard Chartered to debit their account and credit Mashreq bank’s account it (Standard Chartered) has and accordingly Mashreq bank would credit Alice’s account.\n\nThat is the general flow that is mostly used when going cross-border too. Also usually when the banks are in the same country where it is managed and regulated by its Central Bank the intermediary in many cases would be the Central Bank rather than another third bank or another financial entity for within same county transfers.\n\nNow when we transfer money cross border we also need to consider another important point aside from whether each a bank has an account on the other bank; that is currency.\n\nLet us assume Bob lives in the UAE and has a bank account in Emirates NBD and that Alice lives in Bahrain and has an account in the National Bank of Bahrain (NBB). When Bob transfers to Alice we need to consider two cases as previously\nstated. Whether banks have a direct relationship or an indirect relationship and also the currency.\n\n**Cross border direct inter-bank transfers**\n\nLet us start with the direct inter-bank transfers. Assuming Emirates NBD has an account in NBB and vice versa. Bob’s bank Emirates NBD will send a SWIFT transfer message to Alice’s NBB bank in Bahrain and accordingly the debiting and\ncrediting of accounts would happens just as previously explained. Bob’s Emirates NBD bank will debit Bob’s account and credit NBB’s account it has; NBB on the other end in Bahrain will credit Alice’s account. Notice that we mentioned SWIFT? We have wrote about it here; It is important to know what it does and I advise to read read about it [here](https://medium.com/@verify.as/an-overview-of-how-wire-transfers-work-982d1f076dc9). In short SWIFT allows banks or financial entities to securely communicate using a unified and standard protocol. SWIFT does not move the money, it is just the messaging bit between entities.\n\n**Cross border indirect inter-bank transfers**\n\nNow what if Emirates NBD did not have an account in NBB and vice versa a.k.a. an indirect inter-bank transfer. This where where the intermediary bank and SWIFT plays a major role.\n\nSo Bob’s Emirates NBD bank in the UAE will send a transfer SWIFT message to Alice’s bank (NBB) in Bahrain and given there aren’t accounts for either banks; SWIFT in this case will reach a bank where both banks have accounts in (let us\nassume it is Standard Chartered).\n\nEmirates NBD will debit Bob’s account and ask the intermediary bank to debit its account in Standard Chartered and credit NBB’s account also in Standard Chartered. Standard Chartered takes its fee for facilitating the process. NBB will then credit Alice’s account.\n\nIt is worth noting that sometimes more than one intermediary bank is necessary for a transaction to complete (this is particularly acute in remote parts of the world); in some cases the central banks are involved as another intermediary\nbank in the process. Since wires generally operate on a netting basis (usually daily), it becomes clear why cross border transfers are slow.\n\nIf a different currency is involved than the exchange rate is usually done at either bank at the lowest rate possible.\n\nBanks networks are highly established and [Verify Payments](https://verifypayments.com/) add a layer on top to facilitate better access and utilization of banks by providing real-time payments using banks transfers.\n\n> We’re always on the lookout for great developers! If you’d like to join a team on the bleeding edge of financial technology, send us a note → [email protected]\n\nYou can always shoot us your questions here, or in [telegram](https://t.me/verifyas_community), [reddit](https://www.reddit.com/r/verifyas/), [twitter](https://twitter.com/verif_yas/), [facebook ](https://fb.com/verifyas/)or\n[linkedin](https://www.linkedin.com/company/verify-as/).",
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      "title": "An overview of how wire transfers work",
      "body": "![](https://cdn-images-1.medium.com/max/900/0*n8iGu11kzh702HzR)\n\nWire transfers are known for security, safety and reliability. We see wire transfers commonly used in high dollar transactions like buying a property as it is the safest way to move money around. Imagine having to buy a house using a check. You will have to issue the check and the other party clearing it as we mentioned in our previous post ([Common methods we use for transacting](https://medium.com/@verify.as/common-methods-we-use-for-transacting-a20e654c6d8)). Comparing the two wire transfers are faster and more convenient.\n\nWhen money is sent through a wire transfer there is no lock period on the fund. Once it is received by the destination account that would be it. Unlike Credit Cards or other means where there is a hold period and a clearing period. Wire transfer are instant.\n\nThe contingency with Wire Transfer is that both parties must have a bank account and the account owner has to pass the KYC AML procedures to be able to open a bank account. This means that each bank account is KYCd and authenticated and legit; you would not have to worry about spammers in the sense that you would not get random people hitting your account and sending you funds.\n\nThere are various forms of wire transfer the common is through using the network call SWIFT.\n\nSWIFT is short for *Society for worldwide interbank financial telecommunications*. It is a network that allows banks to securely communicate with each other utilizing a set of standard codes. This also means that they have a private independent network that runs multiple levels of redundancy and failover measures (i.e. it does not use the public Internet but leased lines instead). SWIFT codes usually range between 8–11 characters. You might come across different names to SWIFT you might see it called Bank Identifier Code (BIC) or even ISO 9362 Code.\n\nSWIFT came to life in 1973 with 239 banks in 15 countries as a replacement for Telex. Telex was quite slow and did not have a unified set of codes , when using Telex sender had to use text to describe transactions and you can imagine how\ntroublesome that would be.\n\nEmirates NBD for example has EBILAEAD as the SWIFT code. It may look bizarre but it has meaning embedded. The first four characters represent the bank’s code (EBIL) the next two characters represent the country code (AE) the last two\ncharacters represent the city code in this case is AD (Abu Dhabi). This allows for banks to quickly communicate. Assume you decided to send money from A to B. A will send the transfer message through SWIFT’s network to B and B would then Credit the account. SWIFT does not hold any money it is the message bit of the transaction, the operations of moving money and crediting destination is done by the banking system underneath which we will cover on future posts and **not** SWIFT.\n\nSWIFT took over competition like Fedwire due to its constant updates and maintenance and it is quite scalable. It supports various types of transactions like treasury transactions and it is not limited to the traditional payment transactions. SWIFT is utilized beyond banks; exchanges and money brokers use it too and many other financial entities. It is worth mentioning that there are fees to being a member of the SWIFT network and to the messaging that happen.\nThe entity using the SWIFT network is usually charged per message and its type and length.\n\nBanks are quite established and almost every single human being owns a bank account. [Verify Payments](https://verifypayments.com/) tapping into banks opens up numerous applications. This means that Verify Payments would indirectly be utilizing the SWIFT network without having to go through the process of being a member.\n\n> We’re always on the lookout for great developers! If you’d like to join a team\n> on the bleeding edge of financial technology, send us a note → [email protected]\n\nYou can always shoot us your questions here, or in\n[telegram](https://t.me/verifyas_community),\n[reddit](https://www.reddit.com/r/verifyas/),\n[twitter](https://twitter.com/verif_yas/), [facebook\n](https://fb.com/verifyas/)or\n[linkedin](https://www.linkedin.com/company/verify-as/).",
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      "body": "![](https://cdn-images-1.medium.com/max/900/0*vBSfM2tOYEA41RkC.jpg)\n\nAs detailed on the[ master plan](https://medium.com/verifyas/verify-the-master-plan-d58774846efb) customer development is an essential part of building a business, it has to be there and constantly revisited. Of the questions we asked and keep asking when meeting and talking to different businesses is “what do you hate about the current payment solution you use?”\n\nMajority of businesses in the UAE and the region accept credit cards as a form of payment; however it is not all good news. The major limitations they face with credit cards can be summarized into:\n\n**Cost**\n\nThe merchant loses money accepting it. There are primarily two types of costs; cost on transactions and flat monthly charge and also there maybe other hidden fees as well.\n\nA lot of businesses have marginal profits and when you factor the credit card fees they end up losing a lot across multiple transactions rendering their profit margins even lower. This is especially painful for online marketplaces\nand businesses in low-margin niches like grocery stores.\n\nThat cost enforced on businesses is not low as it ranges between 2–4% of the transaction cost. From the talks we had many businesses constantly re-negotiate the fees with their banks for their merchant account. Others advise their buyers to use other mediums like cash or checks all to avoid the fees.\n\nAs you can imagine since it is a percentage per transaction that value grows as the item’s price increases. The more expensive the item the higher the transaction fee. Others even enforce a minimum transaction value when accepting\ncards payments. There are even others who pass that cost to the customer. All of these measures are to bypass that cost.\n\nAnother interesting note is that many credit cards offer rewards for using them. Those rewards are usually covered from the fees obtained from merchants that decide to accept them. That is why we see some credit cards are more expensive\nthan others.\n\n**Chargebacks**\n\nAnother important finding is that many of the merchants don’t get settled quickly because of the possible chargeback or dispute for a given transaction/order. When a chargeback is filed the business suffers the implications.\n\nThe chargeback commences when a buyer files a complaint to his/her bank (card issuer) along with the necessary proofs. The value of the transaction would then be frozen/locked and investigations by the issuing bank or entity begins.\nAccordingly the merchant provides proofs that the transaction stands and the card issuing entity then **decides **who wins the dispute.\n\nTo give you an idea what chargebacks can do to businesses:\n\n* When a chargeback takes place the merchant has already lost the transaction fees and will end up refunding the transaction value hence resulting in a loss: loss of both time and money.\n* Facing recurring chargebacks puts the business in a bad reputation position with the bank and may even be considered a fraudulent business triggering other legal measures. That is not all, recurring chargebacks may even mean closing down the merchant account which according to the interviews we had with hundreds is **not** an easy thing to open in the first place.\n* Businesses would have to deal with higher reserves and longer settlement periods.\n\n**Terrible statements**\n\nLet us not detail on how complicated processing statements can get; There is a specific set of knowledge required to fully understand the processing statement. This can be a hurdle to many small businesses; especially with the confusing\nnumbers and calculations and even the usage of various uncommon acronyms.\n\nAcquiring that knowledge does not mean you will be able to read all processing statements. Processing statements vary among different service providers; each may have their own specific format and styling. Hence making analysing those\nstatements troublesome [1].\n\nAnother important issue is the lack of transparency, there are different charges and pricing throughout the statement [2].\n\n**Summary**\n\nWith that said; Merchants are eager to look into **alternatives **that enable their businesses and lift off the profit barrier imposed by cards payments. With *Verify Payments* that would be possible and that is one potential verify payments has. Merchants could simply plug *Verify Payments* into their checkout experience and start accepting money directly to their banks accounts.\n\n**References**\n\n[1] How to break down your confusing credit card statement, [https://lifehacker.com/how-to-break-down-your-confusing-credit-card-statement-1520896576](https://lifehacker.com/how-to-break-down-your-confusing-credit-card-statement-1520896576)\n\n[2] Transparency in the Credit Card Processing World, [https://nationalprocessing.com/blog/transparency-credit-card-processing-world/](https://nationalprocessing.com/blog/transparency-credit-card-processing-world/)",
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      "author": "verifyas",
      "permlink": "what-makes-bank-transfers-stand-out",
      "title": "What makes bank transfers stand out?",
      "body": "As previously detailed in the[ Master Plan, Part 1](https://medium.com/verifyas/the-verify-master-plan-part-1-839083d1447b) and the[ Master Plan Intro](https://medium.com/verifyas/verify-the-master-plan-d58774846efb), Verify Payments at its core is about banks. We’ve already discussed the reasons why we chose banks, and in this article we will look into how banks compare to other means of moving money.\n\nTo look into and study the options of moving money around we need to consider the sender and receiver. The sender in this context is someone who has the money and plans to give it to the receiver. The sender can be the receiver. One other thing to keep in mind is that money can be anything that both parties agree to use as a means of exchange. This latter quality is actually a function of money called “medium of exchange” [1, 2].\n\nWith that in mind let us consider the various forms to moving money around. The dominant ones are listed below:\n\nCash, Checks, Money Orders, Bank Drafts, Credit Cards, Crypto, Money Transfers (like MoneyGram and WesternUnion) and Online Payments like Venmo and Paypal.\n\nHere is a handy table that summarizes the Pros and Cons of each method:\n\n![](https://cdn-images-1.medium.com/max/900/0*bCAiRq9Fq-SGDxwk.)\n\n*****\n\n### Detailed Comparison\n\nHere is a more detailed version of the table summarized above; we will go through each and list the pros and cons known for each form of moving money around:\n\n**1. Cash:** is a widely used instrument, especially for small micro-payments. It can happen that each region has it is own shape and name. Cash can be in forms of coin and/or paper. Of its advantages [3]:\n\n* It can be accepted almost anywhere (Mostly for the same country).\n* Reliable\n* Fast to settle\n* 0 fees for receiver\n\nHowever Cash still lacks in various aspects which we can summarize in the following:\n\n* Requires physical presence to initiate the exchange\n* Not safe to carry around\n* Costs to keep (safety and protection)\n* Can’t be recovered after damage\n* Takes time to manage; especially to settle accounts.\n* Not suitable for large transactions\n* Can’t use it online\n* Not widely accepted in self service outlets\n* Enables black market and money laundry\n* Sending it cross-border by mail is very risky\n\nWe see cash is quite hard to manage and in most cases requires a teller to manage. It is not suitable for **online-**commerce. It is also inconvenient to move larger amounts of it as it poses security/safety threats.\n\n**2. Checks:** checks are easier mean to move money around than cash. Carrying a single paper is better than carrying a bag of papers. Let us look into what checks offer [4,5]:\n\n* Safe (it is usually only intended for the specific receiver)\n* Personalized and can be branded to suit the brand of the issuer\n* Easier to move around than cash\n* Easier to manage\n* Easily traced\n* Easily recovered\n* Suitable for larger amounts\n* Has the overdraft option where it can act as a credit option\n\nFrom the above checks can easily be moved around than cash; however there are some pitfalls:\n\n* Less acceptance\n* Takes time to issue and to clear\n* Verification of checks takes time\n* Might bounce back\n* Mostly needs manual collection; i.e. requires the receiver to approach a bank in order to cash out\n* To use internationally the issuer must use international checks and those are costly\n\nWe can see that checks have lesser spread than cash in the sense that you can’t use the checks anywhere to pay for products and services. In most cases, you have to cash out first. However, it is not the best option for the receiver\nbecause it has no guarantees that the check will not bounce back. Time to settle is a real pain.\n\nSince we are focused on moving money around it is a better option than cash. It still requires physical activity to move the check around and to actually cash out. This could slow commerce since parties need to hold until things clear.\n\n**3. Money orders:** Just like checks, Money order are a better way to move money around than cash; It differs from checks in that it is however it is capped. which makes them suitable mostly for smaller payment amounts. It can be\ncompared to **gift cards**. Let us see where Money Orders stand the most [5]:\n\n* Useful for small orders\n* Does not require a bank account\n* Does not bounce back\n* Fairly Safe; they can be reported when stolen however it is a long process getting them back\n* Can be obtained off the shelf\n\nThis reflects that they are fairly less complicated to use than checks however they suffer some drawbacks:\n\n* There are fees to issue\n* They are not widely accepted; however they are accepted in some stores and services\n* They are capped\n* Hard to track\n* Manual collection, in the sense that they are still moved around physically\n* Requires authentication of holder before using\n\nJust like checks, Money Orders to be used in various places they need to be cashed out. They are not the best option for businesses especially because they are physical and slow to issue and cash out.\n\n**4. Cashier’s Check / Bank Drafts:** To solve the checks bouncing problem Cashier checks came to shine. To issue the Cashier’s Check you need to have the amount in your balance; Once you issue the check that amount is locked. Let us\ntake a look at what makes them better than checks for businesses [6, 7]:\n\n* It is mostly accepted by all local banks\n* Useful for high dollar transactions\n* Does not bounce back\n* Easily traced\n* Issued by a bank\n* Suitable for large payments\n\nCashier’s checks are better than normal checks for businesses because they can never bounce back; they are mostly used as down payments for large transactions. however they still suffer some drawbacks:\n\n* They are not easy to issue\n* Issuer endures fees to issue\n* Requires paperwork to issue\n* Very slow\n* They are one way; if deposited there is no recourse\n* They are capped for security and safety\n* Allow for scams and cons practices dues to feeling of safety\n* Costly to issue international drafts (for issuer and receiver)\n* They still require physical presence to process\n\nCashier’s checks still operate somewhat similar to normal checks in that they still require physical presence to cash out and are slow to process. Businesses will end up wasting a lot of time and resources to clear and issue the checks\nand receiver the same.\n\n**5. Bank/ACH transfers:** Bank transfers are meant to many solve issues with other available means of moving money around. They are stronger in [8, 9]:\n\n* Safest method\n* Highly secure\n* Useful for high dollar transactions\n* Can easily be tracked\n* Can easily generate track and statements\n* Faster than checks\n* Cheap for local transfers\n\nBanks transfers are more suitable to move money quickly and safely however they too have some drawbacks [10]\n\n* Bad exchange rates when it comes to currency exchange\n* Some banks enforce transfer Commission\n* It is costly for international transfer but are still reasonably cheaper than other methods we’ve seen\n* Currently it is somewhat slow when it comes to cross border transfers but still faster than the other seen means\n* Might Lack price transparency\n* Currently does not allow batch transfers\n* Currently it cannot be reversed (one way)\n* Currently mostly are closed and Lack open APIs\n* Requires approval of transfer\n* Currently does not support recurring payment\n* Does not have single click payments\n\nBank transfer are very useful and especially in them being safe and secure. They are often used for down payments for various products. However they are still lacking when it comes to online payments. The great part about this is that most of the drawbacks can be addressed and that is what Verify Payment **is** doing. Addressing those drawbacks to provide a better solution that solves a **real** problem.\n\n**6. Credit cards:** Credit cards are widely adopted especially for online payments. They are mostly known for the following [5, 11, 12, 13]:\n\n* Accepted in almost all online stores and self service points\n* Considered reasonably Safe (Electronic Funds Transfer Act)\n* Portable\n* In many cases, there are Points/Benefits for holder\n* Can supports recurring payment\n* Single Click payments\n* Allows phone payments\n\nCredit cards are considered safe in the sense that if in cases where they are stolen they can easily be reported to the issuer bank and be blocked they also allow the holder to file disputes and get their money back. Even though those\nfeatures are great they may not be the best solution for the following [11, 12, 13]:\n\n* They are the most expensive\n* Costly fees for the receiver\n* Each transaction charges a Commission\n* Costly exchange rates when used internationally\n* They are capped\n* High-interest rate for holder\n* Debt/loan is easier to happen with credit cards.\n* Requires a lot of security measures\n\nCredit cards are also not suitable for large transactions primarily because they are capped and have a high operational fees. They however provide a *protection* and allow the giver to *overspend*. That is why givers like to use credit cards\n\n**7. Crypto:** Many consider Crypto to be the new Gold in the financial world and many others differ [14]. Crypto is fairly new and it genuinely addresses many of the drawbacks in current financial systems primarily centralization and:\n\n* Is not bound to a country\n* Low Fees\n* Instant\n\nThose perks make moving money around locally and cross-border very easy however there are limitations which limit the usage of crypto [14, 15]:\n\n* Does not provide reach in that it is yet to be adopted everywhere by everyone\n* Highly Volatile which makes it risky for merchants to use\n* Exchanges high rates and fees\n* Security concerns\n* Governmental regulations\n\nCrypto is present in high value transactions but its volatility is a major concern and does not have reach. Crypto if utilized properly with current methods that we have seen could provide a solution to moving money around and\nespecially cross-border.\n\nWe have seen so far that cross-border is a major hurdle and even local transfer methods have their weaknesses that make them a somewhat bad choice to pick.\n\n**8. P2P payment tools:** P2P tools like Paypal, Moneygram and Venmo are known for ease of use and are considered:\n\n* Faster than checks\n* Support Recurring payments\n* May accept cash (MoneyGram)\n\nhowever these tools are:\n\n* Costly to start using and send money [16, 17]\n* Capped\n* In the case of Moneygram it may require physical presence of the person to send\n* P2P is mostly region-specific; like Paypal is mostly used in the US and Europe.\n* May not be reversible like Venmo\n\nOne major problem with using these tools is the *high fees* involved in moving money around. In most cases, they use *banks or credit card* in their core.\n\n**9. Mobile payments:** Mobile payments is a good option [18] to move money around and they are considered:\n\n* Faster checkout process\n* Convenient\n* Cheaper fees\n\nHowever they are fairly new and do not provide reach since they are mostly operational in specific regions. Businesses cannot adopt this option yet which makes this option unfavorable especially to B2B models.\n\n*****\n\nAs presented there are various issues that can be solved by going bank-to-bank to move money around. That is why Verify is currently pushing out *Verify Payments* with the aim of enabling seamless bank-to-bank transfers in the\nregion.\n\n> We’re always on the lookout for great developers! If you’d like to join a team\n> on the bleeding edge of financial technology, send us a note → [email protected]\n\n**References:**\n\n[1] Wikipedia, (2018). “Money”. Wikipedia.com. Available at:\n[https://en.wikipedia.org/wiki/Money#Functions](https://en.wikipedia.org/wiki/Money#Functions),\nAccessed (18th May 2018)\n\n[2] Investopedia, (n.d.), “What is a ‘Medium Of Exchange’?”, [https://www.investopedia.com/terms/m/mediumofexchange.asp](https://www.investopedia.com/terms/m/mediumofexchange.asp). Accessed (13th Apr 2018)\n\n[3] Michelle Miley, (n.d.), The Advantages & Disadvantages of Using Cash vs. Credit, thenest.com. Available at:\n[https://budgeting.thenest.com/advantages-disadvantages-using-cash-vs-credit-31004.html](https://budgeting.thenest.com/advantages-disadvantages-using-cash-vs-credit-31004.html)\n\n[4] Rivera, J, (2014), What’s the Difference between a Check and a Note?, legalmatch.com. Available at:\n[https://www.legalmatch.com/law-library/article/kinds-of-bank-checks.html](https://www.legalmatch.com/law-library/article/kinds-of-bank-checks.html)\n\n[5] Caldwell, M, (2018). The Differences Between Money Orders, Bank Checks, and Cashier’s Checks. Thebalance.com. Available at:\n[https://www.thebalance.com/money-orders-bank-checks-and-cashiers-checks-2385803](https://www.thebalance.com/money-orders-bank-checks-and-cashiers-checks-2385803)\n\n[6] Pritchard, J, (2018), Learn How Bank Drafts Work: Safe Payments (Or Electronic Transfers). Thebalance.com. Available at: [https://www.thebalance.com/bank-drafts-315281](https://www.thebalance.com/bank-drafts-315281)\n\n[7] Money Advice Service, (n.d.), How to use banker’s drafts and cheques, moneyadviceserivce.org.uk. Available at:\n[https://www.moneyadviceservice.org.uk/en/articles/using-cheques-or-bankers-drafts](https://www.moneyadviceservice.org.uk/en/articles/using-cheques-or-bankers-drafts)\n\n[8] Mybankinglicense, (n.d.). Advantages of Bank Wire Transfers. Available at:\n[https://www.mybankinglicense.com/15153/advantages-bank-wire-transfers/](https://www.mybankinglicense.com/15153/advantages-bank-wire-transfers/)\n\n[9] Caldwell, M, (2017). Five Advantages of Online Banking. Thebalance.com.\nAvailable at: [https://www.thebalance.com/three-advantages-of-online-banking-2385804](https://www.thebalance.com/three-advantages-of-online-banking-2385804)\n\n[10] Birch, S, (2016). Disadvantages of using a bank to transfer your money abroad. Available at:\n[https://www.currencysolutions.co.uk/news/personal/send-money-home/disadvantages-using-bank-to-transfer-your-money-abroad](https://www.currencysolutions.co.uk/news/personal/send-money-home/disadvantages-using-bank-to-transfer-your-money-abroad)\n\n[11] Finder, (2018). Benefits and disadvantages of a credit card. Available at:\n[https://www.finder.com/credit-cards-top-benefits-and-disadvantages](https://www.finder.com/credit-cards-top-benefits-and-disadvantages)\n\n[12] Money Supermarket, (2018). Credit card pros and cons. Available at:\n[https://www.moneysupermarket.com/credit-cards/advantages-and-disadvantages/](https://www.moneysupermarket.com/credit-cards/advantages-and-disadvantages/)\n\n[13] Mountain State, (n.d.). Advantages and Disadvantages of Credit. Available at: [http://mtstcil.org](http://mtstcil.org/)\n\n[14] Coin Pupil, (2017). Advantages and disadvantages of cryptocurrency. Available at:\n[https://coinpupil.com/altcoins/advantages-disadvantages-of-cryptocurrency/](https://coinpupil.com/altcoins/advantages-disadvantages-of-cryptocurrency/)\n\n[15] Boukhalfa, S, (2017), What are the disadvantages of cryptocurrencies?. Available at:\n[https://prescouter.com/2017/11/disadvantages-of-cryptocurrencies/](https://prescouter.com/2017/11/disadvantages-of-cryptocurrencies/)\n\n[16] Soffar, H, (2016). What are the advantages and disadvantages of using PayPal?. Available at:\n[https://www.online-sciences.com/technology/what-are-the-advantages-and-disadvantages-of-using-paypal/](https://www.online-sciences.com/technology/what-are-the-advantages-and-disadvantages-of-using-paypal/)\n\n[17] Finder, (2017). Western Union vs. PayPal: What’s the Difference?. Available at:\n[https://www.finder.com/western-union-vs-paypal](https://www.finder.com/western-union-vs-paypal)\n\n[18] Simicart, (n.d.). The advantages of mobile payment systems. Available at:\n[https://www.simicart.com/mobile-commerce/mobile-payment-systems.html/](https://www.simicart.com/mobile-commerce/mobile-payment-systems.html/)",
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      "body": "![](https://cdn.steemitimages.com/DQmd2GHBQpKaQLm7U1kPS7DdJLs3DwaFaFzFD93rAfykogQ/image.png)\n\nEver since Bahrain was named the “Best Financial Center” by global investor magazine in 2010 [1], it has tried to maintain that title and set to find ways to become the *regional fintech hub*.\n\n> “We invite technology companies to set up their offices in Bahrain and use it as a base to serve the entire GCC and Middle East region” [2].<br>  — Walid Hamad, Central Bank of Bahrain\n\nBahrain has the largest number of licensed financial institutions in the region with 403 institutions and several thousand authorized funds. The financial sector is second to oil and gas in Bahrain’s GDP [3, 4].\n\nVerify worked directly with the Bahrain’s Economic Development Board to register a presence in Bahrain. The regulatory environment is positive and Verify continues to work with Bahrain to advance the state of financial technology.\n\nVerify is currently pushing out *Verify Payments* with the aim of enabling seamless bank-to-bank transfers in the region. We’re always on the lookout for great developers! If you’d like to join a team on the bleeding edge of financial technology, send us a note → [email protected]\n\n### References:\n\n[1] CBB, (2010). Bahrain Named Financial Centre Of The Year,\n[http://www.cbb.gov.bh/page-p-bahrain_named_financial_centre_of_the_year.htm](http://www.cbb.gov.bh/page-p-bahrain_named_financial_centre_of_the_year.htm)\n\n[2] Forbes, (2016). Bahrain Aims To Become Regional Fintech Hub To Boost Its Financial Services Sector,\n[https://www.forbes.com/sites/dominicdudley/2016/12/15/bahrain-fintech/#69925a0d52d7](https://www.forbes.com/sites/dominicdudley/2016/12/15/bahrain-fintech/#69925a0d52d7)\n\n[3] CBB, (2018). Fact Sheet,\n[http://www.cbb.gov.bh/page-p-financial_sector_fact_sheet.htm](http://www.cbb.gov.bh/page-p-financial_sector_fact_sheet.htm)\n\n[4] EDB, (2017). Invest in experience. Financial services in Bahrain,\n[http://bahrainedb.com/app/uploads/2017/06/Financial-Services-A4-Brochure-Jun2017.pdf](http://bahrainedb.com/app/uploads/2017/06/Financial-Services-A4-Brochure-Jun2017.pdf)",
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